Mortgage & Rent Cover

Mortgage and rent cover is designed to help support your housing-related financial commitments if illness or injury temporarily prevents you from working.

Broker vs insurer  
what’s the real difference?

Getting insured directly through a major insurer means your options are limited to a single provider — whether or not it’s the best fit for you

Access to more than one insurer

We work with a selected range of trusted providers, allowing us to compare options and find what genuinely suits your situation.

Advice tailored to your life

Your cover is structured around your income, responsibilities, and future plans — not a standard package.

Cover designed to work at claim time

The way your policy is structured matters. We focus on getting the details right so your protection performs when it’s needed.

Ongoing support as life changes

Your circumstances evolve over time. We regularly review your cover to ensure it continues to reflect your situation.

Support when you need to make a claim

If something happens, we guide you through the claims process and help ensure everything is handled properly from start to finish.

A long-term relationship, not a one-off transaction

We’re here to support you over time — not just when your policy is first set up.

How long could your household realistically manage housing costs without income?

Mortgage repayments and rent don’t stop just because life changes unexpectedly.

With mortgage & rent cover

Without mortgage & rent cover

Income is interrupted

Illness or injury unexpectedly affects your ability to work.

Housing costs continue immediately

Mortgage repayments or rent still need to be paid every week or month.

Savings begin carrying the load

Savings may start getting used faster than expected.

Financial pressure builds quickly

Lifestyle adjustments and difficult financial decisions may become necessary.

Long-term goals may be disrupted

Financial stability and future plans may become harder to maintain.

Financial support becomes available

Monthly support may help cover mortgage repayments or rent.

Housing costs remain more manageable

Financial pressure is reduced during recovery periods.

Savings are less impacted

There is less reliance on emergency savings.

Breathing space becomes available

There is more time to focus on recovery without immediate financial panic.

Greater financial stability is maintained

Long-term goals and household stability remain more protected.

Frequently Asked Questions

Honest answers to help you understand life insurance before you make any decisions.

How much life insurance cover do I actually need?

It depends on your income, debts, and the people who rely on you. A general starting point is 10x your annual income, but the right amount varies based on your mortgage, family size, and long-term financial goals. We help you work this out properly.

What's the difference between life insurance and trauma cover?